Accidental Death & Dismemberment Insurance
What Is AD&D Insurance?
Accidental death and dismemberment (AD&D) insurance is an insurance policy with various benefit amounts that offers financial coverage for accidents resulting in death or severe injuries. Its key features are similar to life insurance, and it pays a lump-sum payout for a wide range of predetermined covered accidents.
Here are a few key points:
- Coverage is specifically for accidents, not natural causes or illnesses.
- Benefits are paid out as a lump sum to the insured or beneficiaries, depending on the type of claim.
- Accidents covered include those at home, work and during recreational activities.
- Transportation accidents, like car or airplane accidents, may also be included.
- AD&D can be a great policy for dependent children.
- One of the strongest benefits is there are no underwriting requirements, making it accessible to nearly everyone.
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